Credit

Citi Forward Card $200 Restaurant.com Gift Certificate Promotion

The Citi Forward Card has teamed up with Restaurant.com to offer consumers a $200 Restaurant.com gift certificate, simply for signing up, being approved and spending at least $100 on your Citi Forward Card before 9/15/2010.

Reviewing the CARD Act Part II: The Bad

*This is the second half of a two-part look at the effects of the CARD Act after its first six months. Part one can be found here.

Reviewing the CARD Act Part I: The Good

*This is the first section of a two-part look at the effects of the CARD Act after its first six months. Part two will be published Friday, July 30.

Study: Credit Card Rewards Steal From Poor, Give to Rich

Credit card rewards programs might be filling your wallet with cash or your house with gadgets and goodies. But one thing the programs aren’t doing is helping low-income Americans, according to a Federal Reserve Bank of Boston study.

Lower Credit Limit, Lower Credit Score

Your credit history could be sparkling clean, but that doesn’t mean your credit score is completely safe.

5 Types of Insurance You Don’t Need

You know that insurance is a necessity in some cases. By law, you are required to purchase car insurance, and health insurance can protect against major (and possibly financially devastating) health problems and costs.

Financial Reform Makes Credit Report Information More Accessible

Thanks to the recently passed Dodd-Frank Wall Street Reform and Consumer Protection Act, the information used to calculate your credit score will be less of a mystery.
With the passing of this legislation, lenders are required to give customers they turn down for loans copies of the credit reports used to make their decision. Though the law does not require credit bureaus to give out copies of your credit score when you order free credit reports online, this requirement could ultimately benefit anyone who is unsure of their credit score.

Understand Your Rights Under The Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) was created to help ensure that credit bureaus have the correct data and complete information in your credit report. Businesses and lenders need accurate data in order to have a clear picture of the credit risk you present to businesses who will lend you money. The Fair Credit Reporting Act helps to protect consumers and their credit reports from inaccuracies. There are many rights that consumers have under the act to help.

How to Recover A Stolen Identity

Having your identity stolen is one of the most jarring things that can happen to you and your financial life. It’s difficult in part because of the uncertainty – how it was stolen, where it was stolen, how much of your financial life has been compromised, and the unknown of what the thief could be doing with your name. When someone steals your wallet, you are probably aware of it relatively quickly. When someone steals your identity, it can be months, even years, before you realize it.

The Best Gas Credit Cards

Just two years ago, gas prices of more than $4 per gallon were commonplace and consumers were wondering just how high they would go. Then, as the economy began to take a tumble, so too did the price of oil, dropping gasoline prices to well under $3 a gallon. As things have stabilized just a touch, gas prices have leveled out and over time, we should probably expect them to creep higher each and every year.

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